Easy methods to e book a cruise utilizing factors and miles

Right here at TPG, we love cruise — and so do hundreds of our readers.

Whether or not you’re a first-time cruiser or a longtime veteran, touring solo or along with your prolonged household, planning your fiftieth anniversary journey of a lifetime or only a fast weekend getaway from actuality, there’s a route, expertise or vacation spot to swimsuit you.

Should you’re able to hit the excessive seas and have a stash of factors saved up, you might not must pay on your subsequent cruise out of pocket. Listed below are the perfect methods to cruise on factors and miles.

Easy methods to e book a cruise utilizing factors and miles

Royal Caribbean’s Concord of the Seas. ROYAL CARIBBEAN

We ceaselessly encourage vacationers to make use of their factors and miles for outsize award redemptions. However when reserving cruises on factors, outsize redemption alternatives have traditionally been restricted.

Transferable currencies typically have restricted redemption worth for cruises to 1-1.5 cents per level. Whereas that’s actually excessive at face worth, it’s a little bit low in comparison with what some vacationers get for redeeming factors for luxurious accommodations and first-class flights.

Many cruise strains challenge branded bank cards, though some have begun branching out into cobranded partnerships. As an example, Hyatt companions with Lindblad Expeditions, so World of Hyatt members can earn and redeem Hyatt factors when reserving Lindblad cruises — and vice versa (extra on that beneath). Equally, Marriott Bonvoy members can earn and redeem factors on Ritz-Carlton Yacht Assortment cruises.

That mentioned, many of those associate choices are restricted in scope and will require you to take care of loyalty with a single journey model.

You may nonetheless use factors to decrease bills in your subsequent cruise from any cruise line. As an example, you possibly can simply use your American Categorical Membership Rewards, Capital One, Chase Final Rewards and Citi ThankYou factors towards airfare, lodge or rental automotive prices related to attending to and out of your cruise port. And it’s also possible to e book cruises straight via the issuer’s journey portal.

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Under, we’ll introduce every main bank card program and break down the cruise reserving course of, step-by-step.

Associated: You may e book this thrilling cruise ship on factors

A Royal Caribbean Final Household Suite residing space. SIMON BROOKE-WEBB/SBW PHOTO

Amex Pay with Factors

Should you maintain an eligible American Categorical card that earns Membership Rewards factors, you should use these factors towards your cruise reserving price by using the Pay with Factors program.

Amex allows you to redeem Membership Rewards factors at a worth of 0.5-0.7 cents per level towards most journey purchases. Nevertheless, TPG values Membership Rewards factors at 2 cents every, so that you’re dropping out on greater than half the estimated worth by going this route.

The Amex Journey portal affords nice search performance, permitting you to browse for the cruise of your alternative utilizing filters for date, vacation spot, cruise line and journey length even earlier than you log in.


To e book a cruise utilizing Pay with Factors, log in to the journey portal and do the next:

  1. Choose the cruise itinerary and cabin of your selecting.
  2. Enter your passenger data.
  3. When it’s time to take a look at, enter your Membership Rewards-enrolled American Categorical card data and choose “Sure” to find out what number of Membership Rewards factors are in your account.
  4. You may choose to pay for the complete cruise utilizing Pay with Factors or erase a portion of the price and pay the remaining with money.

Alternatively, you possibly can search for the cruise you need and name 800-297-5627 to e book straight with the American Categorical Journey group over the cellphone.

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Further cruise perks for Amex Platinum cardholders

You probably have The Platinum Card® from American Categorical, you’re eligible for a number of further perks and advantages below the Amex Cruise Privileges Program.

Even if you happen to use your Membership Rewards factors to defray your cruise bills, you’ll have the ability to reap the benefits of a slew of Platinum perks, together with as much as $300 in stateroom credit score on cruise strains reminiscent of Norwegian Cruise Line, Holland America Line, Princess Cruises, Royal Caribbean Worldwide and others.

Further Amex Platinum perks differ by the cruise line. Reviews point out that earlier advantages included a $200 shore tour credit score on Crystal Cruises and a bottle of premium Champagne or wine on Royal Caribbean.

Chase Final Rewards

The Chase Final Rewards journey portal is much like Amex Journey, however the redemption worth is increased.

Factors from the Chase Sapphire Most well-liked Card are price 1.25 cents every towards journey booked via Chase, whereas factors from the Chase Sapphire Reserve are price 1.5 cents.

Sadly, Chase’s reserving system does not allow you to e book cruises via Chase’s on-line Final Rewards portal. You’ll must name the Final Rewards reserving hotline and speak to somebody within the cruise reservations division as a substitute.


To e book a cruise and pay with Chase Final Rewards factors:

  1. Discover the cruise itinerary and availability you need straight on the cruise line’s web site. You probably have a particular cabin in thoughts, have that data helpful. Sadly, studies point out that Disney Cruises can’t be booked with Chase Final Rewards.
  2. Name a Chase journey specialist straight at 855-234-2542, and be ready to stroll the adviser via the cruise line reserving web page on their finish to allow them to discover and e book the cabin and choices you need. Cruise advisers could be reached Monday-Friday, 9 a.m.-9 p.m. EST, and on Saturday from 9 a.m.-5 p.m. EST.
  3. Your cruise adviser will arrange the itinerary for you and, upon checkout, will ask you what number of factors you need to apply towards your last steadiness.

Unique perks for Chase Sapphire Reserve cardholders


Whereas the Chase Sapphire Reserve doesn’t supply cruisers practically as many perks because the Amex Platinum does, the cardboard does supply an annual $300 assertion credit score towards any travel-related buy, together with cruise bookings.

Citi ThankYou

The Citi ThankYou portal permits cardholders to make use of their ThankYou factors as credit score towards a cruise. Some cardholders can redeem factors at a worth of 1 cent apiece.

Discovering your cruise throughout the Citi ThankYou portal could be irritating for the reason that search performance isn’t as strong as one would hope. Vacationers can solely seek for cruises by vacation spot or cruise line, not by obtainable dates.

To e book a cruise utilizing Citi ThankYou factors:

  1. Log in to the journey portal by navigating via your Citi account (or straight at and clicking on “Cruises” on the journey reserving web page.
  2. You may’t seek for cruises by a particular date, however you possibly can filter by cruise line or vacation spot.
  3. When you’ve recognized the cruise you need to e book, name 800-842-6596 to talk straight with a Citi ThankYou journey specialist, who will help you apply Citi ThankYou factors towards the ultimate price at checkout.

Be aware that you should use Citi ThankYou factors to e book a Disney Cruise if you happen to so need.

Mounted-value factors

Mounted-value factors supply very easy redemption prospects when reserving a cruise. The premise is straightforward: Every level is price a chosen worth — often 1 cent — off your journey buy.

As an example, Capital One allows you to pay on your journey nevertheless you need, whether or not you e book on-line, name the cruise line or undergo a journey agent. This implies you possibly can stack a number of affords or reductions for additional financial savings, reminiscent of utilizing a buying portal when reserving or including a promo code at checkout.

In case your buy falls below the journey class, you should use your stash of factors to offset the quantity you owe in your assertion. Should you pay $1,000 for a cruise on a bank card that gives a 1:1 point-to-cent ratio, you’ll want 100,000 factors to offset the price.

Associated: Easy methods to triple stack offers to get the last word financial savings in your subsequent cruise

Capital One miles

Capital One affords extra flexibility and a extra easy redemption course of than Amex, Chase and Citi. Except you switch your miles to an airline or lodge associate, every mile is price a flat 1 cent towards journey.

Redeeming factors doesn’t require reserving via a portal, thus liberating you as much as e book your cruise straight with the corporate or by way of a journey agent to get further perks. This feature additionally allows you to pursue promotional package deal charges or reductions that might not be obtainable via the Amex, Chase or Citi portals.


The award redemption course of is easy: Use the cardboard when paying on your cruise package deal, then log in to your account and use the “cowl your journey purchases” choice to use your mileage steadiness as a credit score towards the whole quantity you owe in your bank card assertion.

You may earn Capital One miles with the Capital One Enterprise Rewards Credit score Card and Capital One Enterprise X Rewards Credit score Card. Every has various charges and options, so learn our comparability article for extra data.

Associated: The simple route: Easy methods to redeem Capital One miles at a hard and fast worth

Guide utilizing airline miles

You should use airline miles to e book cruises. However once more, like different choices, the worth per mile usually isn’t nice.

For instance, this seven-night Disney cruise out of San Juan, Puerto Rico, prices 156,714 United MileagePlus miles per individual for an inside cabin — price $1,896 by TPG’s present valuation for United miles.


In distinction, the identical room and identical crusing dates price simply $1,097 per individual when paid for with money — clearly a greater worth than paying with United miles.


Proprietary cruise line membership applications

We ceaselessly stress that cruise line cobranded bank cards might not be your best choice for incomes and redeeming factors.

That mentioned, there are some cruise-specific bank cards on the market. For instance, the Royal Caribbean Visa Signature affords a bonus of 25,000 MyCruise Rewards factors — price $250 in onboard credit score — to make use of in your subsequent cruise.

Should you earn 15,000 MyCruise Rewards factors, you possibly can redeem them for a $150 low cost on any Royal Caribbean or Superstar Cruises ship and itinerary.

The knowledge for the Royal Caribbean Visa Signature has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Bionic Bar on Royal Caribbean’s Symphony of the Seas. DARREN MURPH/THE POINTS GUY

Associated: These are the bank cards to make use of to maximise your subsequent cruise trip

Guide a Lindblad Expeditions cruise with World of Hyatt factors

In 2019, World of Hyatt and Lindblad Expeditions introduced a partnership the place cruisers can earn Hyatt factors and qualifying nights that rely towards Hyatt elite standing.

On the incomes aspect, vacationers earn 5 base Hyatt factors per greenback spent on Lindblad cruises and normal elite member bonuses. Plus, the World of Hyatt Credit score Card earns an extra 4 factors per greenback spent on eligible Lindblad Expeditions bought via Hyatt.

Lindblad is the cruise line that companions with Nationwide Geographic on a few of its extra adventurous sailings, so it’s notably thrilling that a few of the world’s most memorable cruise experiences could be booked with factors as a substitute of chilly arduous money.

Associated: Why the Nationwide Geographic Endurance is 1 of probably the most thrilling new cruise ships

Reserving a Lindblad voyage via Hyatt means you’ll additionally obtain $250 in onboard credit score per reservation. To e book a paid cruise or redeem your factors for a voyage, go to this web site or name 866-537-5099.

TPG priced out a couple of totally different cruises for a take a look at run. In every case, a Hyatt level was price 1.6 cents. For instance, take this seven-night Wild Galapagos Escape expedition cruise. The money worth begins at $9,790 per individual or 611,875 Hyatt factors.


Equally, an eight-night Costa Rica cruise additionally priced out at 1.6 cents per level.


TPG values Hyatt factors at 1.7 cents every, so redeeming for a Lindblad cruise will get you very near that mark. These voyages get rave opinions, so when you have tons of Hyatt factors, this selection deserves look.

Redeem Marriott Bonvoy factors

Ritz-Carlton Yacht Assortment. MARRIOTT

In 2021, Marriott introduced that the Ritz-Carlton Yacht Assortment will take part within the Marriott Bonvoy loyalty program. Members can earn and redeem factors on Ritz-Carlton cruises and revel in elite standing perks on voyages. Nevertheless, the incomes and redemption charges aren’t nice.

You’ll earn 5 factors per greenback spent on cruise fares and the lodge package deal fee for taking part Marriott Bonvoy accommodations booked via the Ritz-Carlton Yacht Assortment. Your cruise fare additionally counts towards the $23,000 spending requirement for Marriott’s Ambassador Elite standing. Moreover, you will earn elite nights on your cruises.

On the redemption aspect, you possibly can redeem a minimal of 180,000 factors towards a flat $1,000 financial savings on the cruise fare. After that, you possibly can redeem increments of 90,000 factors towards a $500 financial savings, as much as the complete cruise fare. This redemption fee equates to about 0.56 cents per Marriott level, effectively beneath TPG’s valuation of 0.84 cents per level.

Associated: 17 methods to earn plenty of Marriott Bonvoy factors

Moreover, Marriott Bonvoy’s Cruise with Factors program lets you money in Marriott factors for credit score towards any cruise that’s bookable on the Cruise with Factors web site.

You may pay for a cruise with a full or partial factors fee, beginning at 63,000 Marriott factors for a $250 credit score towards your cruise.


Sadly, your worth per Bonvoy level is even worse when redeeming for cruises via this methodology. The worth maxes out at simply 0.4 cents per level.

Leverage on line casino applications

You probably have standing with MGM Rewards, you will have entry to cruise perks and even free cruises.

Whilst you aren’t eligible totally free cruises on Royal Caribbean or Superstar Cruises till you hit Platinum standing with MGM, onboard credit start on the Gold stage.


The phrases point out that if you happen to earn Platinum or Noir standing by gameplay, you will get a free cruise for 2 on Royal Caribbean or Superstar.

Should you match your strategy to standing or related (reminiscent of by way of Hyatt), you might be eligible for perks even when your standing wasn’t earned via gameplay.

Associated: A newcomers information to cruise line loyalty applications

Pay for a cruise in money and earn factors

It’s at all times enjoyable to earn a “free” journey with factors and miles. However there are a couple of occasions when it makes extra sense to pay money reasonably than spend your rewards.

Whereas these components will differ by individual, the next eventualities might assist information your resolution:

Pay money when your dates, routes or cruise line are mounted

Should you’re touring with prolonged household or a bigger group, they might not have the identical entry to the points-based portals you do. Or when you have youngsters whose schedules solely help you journey between particular dates, it’s a lot tougher to gamble on the likelihood that your required route will probably be obtainable via these portals. You also needs to consider the potential for utilizing fixed-value factors from a program like Capital One to “erase” a portion — or the whole money price outright — of your journey.

Pay in money when a wonderful money fare comes up

As with airline tickets, there’s zero level in taking part in the factors and miles recreation if you happen to don’t take full benefit of gross sales. Should you discover a cruise reserving that prices much less in money than your factors’ worth, pay for it outright and save your factors for one more journey. You should use TPG’s month-to-month valuations information that can assist you calculate what your factors are price.

Associated: What are your factors and miles price? TPG’s valuations information helps you determine

You may solely have the ability to pay with money when reserving a uncommon itinerary

Should you’re hoping to go to Antarctica by way of Ushuaia, Argentina, or to discover Alaska’s Aleutian Islands, you’re prone to discover that these locations are solely obtainable to cash-paying cruisers.

Should you anticipate needing to make any modifications to your reservation

Award redemptions booked via bank card issuers like Chase and Amex are thought of third-party journey bookings, so your cruise line might not be in a position or inclined to indicate any flexibility if you happen to want any modifications made to your dates, itinerary or cabin.

That is the place redeeming Capital One miles for cruises shines, as a result of redeeming your stash of factors doesn’t require reserving journey via the issuer’s portal. As an alternative, you’ll e book the journey straight with the cruise line, log in to your account and use your miles steadiness to “wipe out” the cost.

If there may be an Amex Presents deal obtainable for the cruise line you want to sail

Every so often, American Categorical affords particular limited-time bonus factors offers to cardmembers who e book cruises.

These Amex Presents have let cardholders earn 15,000 to 35,000 bonus Membership Rewards factors for placing a cruise buy on their bank card.

A 25,000-point supply is price $500 at present TPG valuations. Previously, affords have included varied cruise strains reminiscent of Carnival, Superstar, Holland America, Princess, Seabourn, Cunard and Crystal Cruises. Amex Presents are focused and topic to vary at any time. To see if you happen to’re focused for a particular supply — and to enroll within the supply — log in to your American Categorical account. Scroll right down to “Amex Presents and Advantages” and see what offers are offered.

Associated studying: Your final information to Amex Presents

Guide cruises by way of an airline portal

In case you are paying money and need to earn miles concurrently, airways help you earn bonus miles by reserving cruises by way of their websites. For instance, there are United Cruises, American Airways Cruises, Delta SkyMiles Cruises and extra.

The cruises we priced out by way of United Cruises have been largely the identical worth as reserving straight with the cruise strains. The one distinction is that you’d earn bonus United miles per greenback spent for reserving by way of the United web site.

On our Royal Caribbean cruise reserving take a look at, United bank card holders can earn as much as 10 miles per greenback spent on the cruise cabin’s base fee for reserving by way of the airline’s cruise portal. These elevated accruals are just for balcony and suite rooms. Should you’re a MileagePlus cobranded card holder, your earnings are capped at 60,000 MileagePlus miles per buy, and there is a one-time bonus for two,500 miles per cruise reserving.

Keep in mind that these bookings are thought of third-party purchases, so cruise strains should not obligated or might not be inclined to help you make modifications.


For this Royal Caribbean crusing for a household of two, that would imply choosing up 11,640 United miles, valued by TPG at $141.


These with United elite standing can even money in on some perks. Bonuses differ by the cruise line and are based mostly in your elite standing tier, however you might get something from enjoyable spa therapies to complimentary wine or as much as $300 to spend on board.

Paying for onboard cruise bills


As soon as on board, most of your bills will probably be lined as a part of your cruise reserving, as nearly all cruise strains embrace leisure and buffet/important eating room entry as a part of the cruise package deal.

However there at all times will probably be some alternatives to splurge, together with drinks and eating at one of many fancier eating places in your ship, excursions and spa therapies. You may even pony up on cruise strains to dine on the captain’s desk.

Associated: The first American girl to captain a cruise ship faculties web troll in viral video

You’ll earn probably the most factors on cruise bookings by paying with a bank card that gives further incentives for a broad vary of journey purchases — try TPG‘s greatest bank cards for cruises and discover those that work greatest for you.

Within the meantime, here’s a fast reference chart of the present greatest bank cards for normal travel-related bills:

Some cruise strains additionally supply reward playing cards on the market at retailers reminiscent of grocery shops and workplace provide shops, so it’s potential to earn extra factors per greenback when choosing up cruise (or Disney) reward playing cards at these kinds of retailers, relying on which bank cards are in your pockets.

Further cruise money-saving suggestions and methods

As holidays go, most cruises don’t come low-cost. The next suggestions might additional allow you to lower your expenses or maximize your points-earning alternatives.

Use factors and miles for positioning accommodations and flights

Flights, rental automobiles and accommodations can add up fairly rapidly, so don’t neglect to search for your greatest factors and miles choices for these parts of the journey.

As an example, you might fly Southwest to a cruise port airport reminiscent of Fort Lauderdale-Hollywood Worldwide Airport (FLL), Orlando Worldwide Airport (MCO) or William P. Interest Airport (HOU) close to the port of Galveston, Texas, on factors — and with the Companion Move — then use lodge factors to spend the night time earlier than the cruise close to the port, so that you don’t have to fret a few delayed flight resulting in a missed cruise.

For an additional instance, you might use 9,000 to fifteen,000 World of Hyatt factors or an annual Class 1-4 award from the World of Hyatt Credit score Card to pay for a room on the Hyatt Regency Orlando Worldwide Airport earlier than heading to Port Canaveral the subsequent day.

The Hyatt Regency at Orlando Worldwide Airport. SUMMER HULL/THE POINTS GUY

Associated: What to do if you happen to miss your cruise

Look into repositioning cruises

Most cruise strains supply deeply discounted charges on repositioning routes when the corporate wants to maneuver a ship from one vacation spot to a different.

Consider repositioning cruises as one-way journey. Whether or not from the Caribbean to the Mediterranean, Texas to Puerto Rico or Tokyo to Vancouver, these itineraries are on the market. Even the family-friendly Disney Cruise Line affords repositioning cruises that price barely lower than the typical crusing.

Web sites reminiscent of help you seek for repositioning cruises as much as two years upfront. You may type your search outcomes by date, low cost complete or price complete along with normal standards reminiscent of departure and arrival ports, dates, length and cruise line.

You may then use your airline miles to e book a one-way flight again residence as a substitute of doubtless paying extra for a one-way fare utilizing money.

Associated: Your full information to utilizing Google Flights for reserving airfare


Backside line

It isn’t at all times straightforward to get an awesome return on your factors and miles towards cruise redemptions — at the least not the way in which you possibly can for first-class flights. However this information proves that it is potential, particularly with fixed-value currencies like Capital One miles.

You might even stack that bonus for added financial savings by reserving by way of an airline portal to earn miles or through the use of a web site like to provide the greatest offers and perks from journey brokers.

Are you dreaming of a household cruise? Right here’s some recommendation:

Further reporting by Ariana Arghandewal, Benji Stawski and Kyle Olsen.

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